PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Rockford Municipal Employees

Rockford, IL · Charter 62826

NCUA · 1 branch

Q2 2026

$23.6MAssets
$10.1MLoans
$19.8MShares
$3.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.77%, down 354 bps year over year; NIM at 2.12%.
  • Asset quality: problem loans at 0.41% of loans (+3 bps YoY).
  • Capital: net worth / assets of 15.16%, up 6 bps from a year ago.
  • Funding: loans stand at 51.04% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.77%-354 bps YoY

Net Interest Margin (quarter, annualized)

2.12%-165 bps YoY

Efficiency Ratio (quarter, annualized)

125.16%+7,790 bps YoY

Net Worth / Assets

15.16%+6 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.76%2.48%2.17%0.85%-0.77%-354 bps
Return on Equity18.30%15.83%13.93%5.37%-5.10%-2,340 bps
Net Interest Margin3.77%3.97%3.87%2.68%2.12%-165 bps
Efficiency Ratio47.26%51.31%54.78%67.31%125.16%+7,790 bps
Growth
Asset Growth (YoY)-2.78%1.94%4.44%2.48%2.91%+569 bps
Loan Growth (YoY)-4.32%-4.75%-1.67%0.48%2.17%+649 bps
Share Growth (YoY)-4.94%0.30%2.98%1.18%2.02%+696 bps
Asset Quality
Delinquent Loans / Loans0.38%0.23%0.25%0.09%0.41%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.10%15.67%15.59%15.75%15.16%+6 bps
Net Worth / Assets15.10%15.67%15.59%15.75%15.16%+6 bps
Liquidity & Funding
Loans / Shares50.97%52.32%51.32%50.06%51.04%+7 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps